Credit Cards

for your first year (saving $129 p.a.) ²¹

Earn Q Rewards® points and enjoy travel perks

Platinum Visa Credit Card

Enjoy Q Rewards® points for every dollar you spend on Eligible Transactions⁵ , plus get access to complimentary international travel insurance and extended warranties (terms, conditions, limits and exclusions apply)²⁰ .

Get your annual fee waived every year if you spend a minimum of $12,000 per year on retail purchases.²¹
Plus get 1,000 bonus points every month when you spend $1,000 per month on Eligible Transactions for the first 12 months ¹⁴
Earn 2 Q Rewards® points for every dollar spent on Eligible Transactions ⁵

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$120 Cash back

If you spend $500 per month on retail purchases for the first 3 months ²²

Earn Q Rewards® points with a Blue Visa Credit Card

Blue Visa Credit Card

Earn Q Rewards® points and redeem them for range of merchandise, gift cards or even your next holiday¹⁹

$120 cash back if you spend $500 per month on retail purchases for the first 3 months (that’s Netflix for a year!)²²
0% p.a. on balance transfers for 6 months, reverting to the cash advance rate thereafter¹⁶ No interest free days apply to retail purchases while you have a balance transfer
Earn 1 Q Rewards® point for every dollar spent on Eligible Transactions¹⁹

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Balance transfers

0 ^%P.A.

For the first 14 months¹⁸

Save with lower interest rates

Low Rate Visa Credit Card

Why pay high interest rates? With our Low Rate Credit Card, you can save straight away with our balance transfer offer¹⁸

Low interest rate on purchases
0% p.a. on balance transfers for the first 14 months, reverting to the cash advance rate thereafter¹⁸
Low annual card fee of $55

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Compare credit cards

	Platinum Visa Credit Card	Blue Visa Credit Card	Low Rate Visa Credit Card
Credit Card Summary
What does this card offer?	Earn 2 Q Rewards® points for every 1 dollar spent on Eligible Transactions⁵ , plus all the added perks of a platinum credit card.	Earn 1 Q Rewards® point for every 1 dollar spent on Eligible Transactions⁵ .	Save more with a low interest rate on your purchases.
Special Offers	• $0 annual fee in your first year (saving $129 p.a.)²¹ • Plus $0 annual fee ongoing if you spend a minimum of $12,000 per year on retail purchases²¹ • Plus get 1,000 bonus points every month when you spend $1,000 per month on Eligible Transactions for the first 12 months¹⁴ • 0% p.a. 12 months on balance transfers (reverts to the cash advance rate. No interest free days apply to retail purchases while you have a balance transfer)¹²	• 0% p.a. on balance transfers for the first 6 months (reverting to the cash advance rate below)¹⁶ • $120 cash back if you spend $500 per month on retail purchases for the first 3 months (that’s Netflix for a year!)²²	• 0% p.a. on balance transfers for the first 14 months (reverting to the cash advance rate below)¹⁸ . No Interest free days apply to retail purchases while you have a balance transfer
Minimum Income Requirement	$35,000	$25,000	$25,000
Age	18	18	18
Interest Free Period^## (unless you have a balance transfer)	Up to 55 days	Up to 44 days	Up to 55 days
Minimum Credit Limit	$6,000	$2,000	$2,000
Rates
Standard Purchase Interest Rate	20.74% p.a.	20.74% p.a.	13.49% p.a.
Cash Advance Rate	21.74% p.a.	21.74% p.a.	21.49% p.a.
Fees
Annual Fee	$0 annual fee in your first year (saving $129 p.a.)²¹ Plus $0 annual fee ongoing if you spend a minimum of $12,000 per year on retail purchases ²¹ Normal annual fee: $129	$60	$55
Additional Card Fee	Up to 4 free	$15	$15
Q Rewards®
Q Rewards® Points⁵	Earn up to 2 Q Rewards® Points for every 1 dollar spent on Eligible Transactions⁵ See rewards points	Earn 1 Q Rewards® point per for every dollar spent on Eligible Transactions⁵ See rewards points
Points Capping	Uncapped	Uncapped	N/A
Voucher, Gift Certificates & Merchandise Rewards
Cash Back Rewards
Platinum Personalised Rewards program
Personal Concierge
Take Flight⁺⁺
Insurance¹¹
Purchase Cover Insurance
Extended Warranty
Complimentary International Travel Insurance
Guaranteed Pricing Scheme
Transit Accident Insurance
Interstate Flight Inconvenience Insurance
Security
Pen or PIN
Fraudshield
Emergency Card Replacement within 24 hours (Australia)
Additional Features
Worldwide Visa Acceptance
Visa PayWave
24 Hour EasyPhone and Internet Banking
	Apply now Learn more	Apply now Learn more	Apply now Learn more